What should be done about third party payments in medicine?

I was fascinated by your statement in your November 7th, 2012 discussion of the election that the real need in medicine was to do away with third party payments. It's quite a radical proposal, one of the most radical I've heard from you. How would you think such a think might be implemented through ethically proper means -- as opposed to measures such as legally prohibiting third party payments? Are there types of medical care -- perhaps catastrophe illness or injury -- where third party payment would need to be kept in place, or where people in a free economy would likely still choose to keep them in place?